Terms of Use

1. About VEQSA Capital

VEQSA Capital is a commercial finance advisory firm that helps businesses, entrepreneurs, investors, and other eligible borrowers evaluate, structure, and pursue financing solutions through relationships with third-party lenders and capital providers.

VEQSA Capital is not a bank or depository institution. Unless expressly stated otherwise, financing is provided by third-party lenders and capital providers that independently determine their underwriting requirements, credit decisions, financing terms, approvals, documentation requirements, and funding decisions.

VEQSA Capital does not guarantee that financing will be available, approved, or funded, or that any particular rate, term, structure, lender, or financing product will be available to any applicant or transaction.

Nothing on this website constitutes a commitment to lend, an extension or offer of credit, or a guarantee of financing.

2. Financing Information

Information concerning financing products, programs, structures, rates, terms, eligibility criteria, loan amounts, leverage, timelines, or other financing characteristics presented on this website is provided for general informational purposes only.

Actual financing options depend on numerous factors, which may include the applicant's creditworthiness, business performance, cash flow, collateral, industry, transaction structure, property characteristics, requested financing amount, lender requirements, market conditions, and other underwriting considerations.

Programs, lender requirements, rates, terms, and availability may change at any time without notice.

Information appearing on this website should not be interpreted as a representation that a particular financing product or structure is available to or appropriate for any specific person, business, property, or transaction.

3. No Financial, Legal, Tax, or Accounting Advice

The content of this website is provided for general informational purposes.

Nothing on this website constitutes legal, tax, accounting, investment, or other professional advice.

You should consult appropriately qualified professionals regarding the legal, tax, accounting, investment, or other implications of any transaction or financing decision.

VEQSA Capital may provide commercial financing guidance relating to potential financing structures and capital options; however, such guidance should not be interpreted as a substitute for advice from your own legal, tax, accounting, investment, or other professional advisors.

4. No Guarantee of Financing

Submission of an inquiry, financing request, deal submission, application-related information, or other information through this website does not constitute:

• approval for financing;
• preapproval unless expressly identified as such by an applicable lender;
• a commitment to lend;
• an offer or extension of credit;
• acceptance of a transaction by VEQSA Capital or any lender;
• a guarantee of rates or terms; or
• a guarantee that a transaction will close.

All financing remains subject to applicable lender requirements, underwriting, due diligence, documentation, credit approval, and final approval.

A lender may modify proposed terms, request additional information, impose additional conditions, or decline a transaction at its discretion and subject to applicable law.

5. Website Inquiries and Deal Submissions

The website may allow business owners, investors, referral partners, advisors, brokers, agents, and other users to submit financing inquiries or potential financing opportunities to VEQSA Capital.

Information submitted through these forms is used to evaluate the inquiry or opportunity, communicate with the submitting party, determine potential next steps, and, where appropriate, evaluate potential financing sources.

Submitting information through the website does not obligate VEQSA Capital to accept, pursue, submit, arrange, or obtain financing for the transaction.

VEQSA Capital may determine that an opportunity is not appropriate for further evaluation or submission.

6. Referral Partner and Third-Party Submissions

If you submit information concerning another individual, business, borrower, investor, property owner, or other third party, you represent that you are authorized to provide the information submitted and to request that VEQSA Capital evaluate the potential financing opportunity.

You agree not to submit confidential, proprietary, personal, or financial information concerning another party unless you have appropriate authority or permission to provide that information.

Submission of a potential opportunity does not, by itself, establish a referral, brokerage, agency, joint venture, partnership, fiduciary, employment, or other contractual relationship between VEQSA Capital and the submitting party.

Any separate referral, compensation, brokerage, advisory, or similar arrangement must be governed by a separate agreement where applicable.

7. Sharing Information with Capital Providers and Service Providers

When you request assistance evaluating or pursuing financing, information you provide may need to be shared with prospective lenders, capital providers, financing sources, service providers, or other parties involved in evaluating or facilitating the requested transaction.

VEQSA Capital will handle information submitted through the website in accordance with its Privacy Policy.

By submitting a financing inquiry or deal for evaluation, you acknowledge that relevant information may be used and, where appropriate and permitted, shared for purposes reasonably related to evaluating, structuring, processing, presenting, or facilitating the financing opportunity.

Submission of information through a general website form does not authorize VEQSA Capital to use that information for unrelated purposes.

8. Sensitive Information

Do not submit highly sensitive information through general website contact, financing inquiry, referral, or deal-submission forms unless VEQSA Capital specifically directs you to an approved method for providing such information.

This includes, without limitation:

• Social Security numbers;
• complete bank account numbers;
• bank login credentials or passwords;
• payment-card information;
• government identification numbers;
• account passwords;
• authentication credentials; or
• other information that should reasonably be transmitted through a secure document or application process.

If additional financial documentation is required to evaluate a financing opportunity, VEQSA Capital or the applicable financing provider may provide instructions regarding an appropriate method of submission.

9. Accuracy of Information

You agree that information you submit to VEQSA Capital will be accurate and complete to the best of your knowledge.

Financing decisions may depend substantially on the accuracy and completeness of information supplied by applicants, borrowers, referral sources, and other parties.

VEQSA Capital and prospective financing providers may request supporting documentation or clarification before evaluating or proceeding with a financing opportunity.

Providing false, misleading, fraudulent, or intentionally incomplete information may result in termination of the evaluation process and may have other consequences under applicable law.

10. No Advisory, Fiduciary, or Lender-Borrower Relationship Created by Website Use

Accessing this website, reviewing its content, communicating through a website form, or submitting preliminary information does not by itself create a lender-borrower, fiduciary, agency, partnership, joint venture, or other professional relationship with VEQSA Capital.

Any specific engagement, compensation arrangement, referral relationship, financing agreement, or other contractual relationship may be governed by separate documentation.

11. Third-Party Lenders and Capital Providers

VEQSA Capital may introduce, communicate with, or facilitate access to independent third-party lenders and capital providers.

Those third parties are responsible for their own underwriting standards, financing programs, credit decisions, terms, documentation, regulatory obligations, and business practices.

VEQSA Capital does not control and cannot guarantee the actions, decisions, processing times, underwriting determinations, pricing, or performance of independent third-party financing providers.

Users should carefully review all financing documents and terms provided by the applicable financing provider before entering into any transaction.

12. No SBA or Government Affiliation

VEQSA Capital is not affiliated with, endorsed by, or acting on behalf of the U.S. Small Business Administration or any other federal, state, or local government agency.

References to SBA loan programs are provided for informational purposes and relate to financing programs offered through eligible participating lenders and other authorized financing providers, as applicable.

Eligibility for any SBA program is determined under applicable program requirements and by the parties responsible for underwriting and approving the financing.

13. Electronic Communications

When you provide an email address, telephone number, or other contact information in connection with an inquiry, you authorize VEQSA Capital to respond to that inquiry using the contact information provided, subject to applicable law and the consent language presented with the applicable form.

Submitting a financing inquiry does not automatically authorize unrelated marketing communications beyond what is permitted by applicable law or separately consented to by you.

Electronic communications may not always be secure or error-free. You are responsible for using reasonable care when transmitting sensitive information electronically.

14. Permitted Use of the Website

You may use this website only for lawful purposes.

You may not:

• attempt to gain unauthorized access to the website or systems connected to it;
• interfere with the operation or security of the website;
• introduce malicious software, code, or other harmful material;
• use automated systems to scrape, copy, harvest, or extract website content or data without authorization;
• impersonate another person or organization;
• submit fraudulent or intentionally misleading financing inquiries;
• use the website to violate applicable law or the rights of another party; or
• attempt to circumvent website security measures.

VEQSA Capital reserves the right to restrict or terminate access to the website where misuse is reasonably suspected.

15. Intellectual Property

Unless otherwise indicated, the website and its content, including text, graphics, design elements, logos, branding, page layouts, original materials, and the VEQSA Capital name and marks, are owned by or licensed to VEQSA Capital and are protected by applicable intellectual property laws.

Nothing in these Terms grants you ownership of or a license to use VEQSA Capital trademarks, branding, proprietary materials, or other intellectual property except for the limited right to access and use the website for its intended purpose.

You may not reproduce, republish, distribute, sell, modify, create derivative works from, commercially exploit, or otherwise use protected website content without prior written authorization, except as permitted by applicable law.

16. Third-Party Websites and Services

This website may contain links to websites, applications, services, lenders, capital providers, or other resources operated by third parties.

Third-party resources are provided for convenience or informational purposes.

VEQSA Capital does not control third-party websites or services and is not responsible for their content, security, privacy practices, availability, accuracy, products, services, or business practices.

Accessing third-party websites or services is at your own discretion and subject to the terms and privacy practices of those third parties.

17. Website Availability and Accuracy

VEQSA Capital seeks to provide useful and accurate website information but does not warrant that the website will always be available, uninterrupted, secure, complete, current, or error-free.

Website content may contain typographical errors, outdated information, technical inaccuracies, or other errors.

VEQSA Capital may modify, suspend, remove, or update website content, functionality, financing information, or other materials at any time.

18. Disclaimer of Warranties

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THIS WEBSITE AND ITS CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS.

VEQSA CAPITAL DISCLAIMS WARRANTIES, EXPRESS OR IMPLIED, CONCERNING THE WEBSITE, ITS AVAILABILITY, ITS CONTENT, OR RESULTS OBTAINED FROM ITS USE, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT, TO THE EXTENT SUCH DISCLAIMERS ARE PERMITTED BY LAW.

Nothing in this section limits any rights that cannot lawfully be waived or disclaimed.

19. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, VEQSA CAPITAL AND ITS OWNERS, OFFICERS, EMPLOYEES, REPRESENTATIVES, AND AGENTS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM OR RELATING TO YOUR ACCESS TO OR USE OF, OR INABILITY TO ACCESS OR USE, THIS WEBSITE.

VEQSA CAPITAL WILL NOT BE RESPONSIBLE FOR LOSSES RESULTING SOLELY FROM A THIRD-PARTY LENDER'S OR CAPITAL PROVIDER'S INDEPENDENT CREDIT, UNDERWRITING, PRICING, APPROVAL, DENIAL, OR FUNDING DECISION.

Nothing in these Terms excludes or limits liability that cannot legally be excluded or limited under applicable law.

20. Privacy

Your use of the website and submission of information are also subject to the VEQSA Capital Privacy Policy.

The Privacy Policy describes how VEQSA Capital collects, uses, and handles information obtained through the website.

Where these Terms refer to the handling of personal information, they should be read together with the Privacy Policy.

21. Website Disclosures

Additional information concerning VEQSA Capital, financing products, third-party financing providers, and other important matters may be provided on the Website Disclosures page.

The Website Disclosures are intended to supplement these Terms and should be reviewed before submitting a financing inquiry.

22. Changes to These Terms

VEQSA Capital may update these Terms periodically to reflect changes to the website, business practices, legal requirements, or other circumstances.

When these Terms are materially revised, the "Last updated" date at the top of this page will be changed.

Your continued use of the website after revised Terms become effective constitutes acceptance of the revised Terms to the extent permitted by applicable law.

23. Severability

If any provision of these Terms is determined to be unlawful, invalid, or unenforceable, that provision will be interpreted or limited to the extent necessary to make it enforceable where permitted by law.

The remaining provisions will remain in effect.

24. No Waiver

A failure by VEQSA Capital to enforce any provision of these Terms does not constitute a waiver of that provision or any other provision.

25. Governing Law

These Terms and your use of this website will be governed by the laws applicable to VEQSA Capital, without regard to conflict-of-law principles, except where applicable law requires otherwise.

26. Entire Agreement Regarding Website Use

These Terms, together with the Privacy Policy, Website Disclosures, and any other policies expressly incorporated by reference, constitute the agreement between you and VEQSA Capital concerning general use of this website.

These Terms do not supersede any separate written agreement governing a specific financing transaction, referral relationship, advisory engagement, or other business relationship.

27. Contact

Questions concerning these Terms of Use may be directed to:

VEQSA Capital
Email: info@veqsacapital.com